David Sprenger is a financial advisor at Qualified Planning with 10 years of industry experience. He holds the ChFC® and Series 63 designations. Sprenger has held roles at The Leaders Group DBA Simplicity Investments, Alkeme Insurance, IRA Solutions, Inc., and Dunhill Marketing & Insurance Services, Inc., where he serves as Vice President. Qualified Planning provides investment advisory services primarily to individual clients, as well as pension/profit-sharing plans and corporations. The firm offers passive, asset-allocation-driven portfolios mainly composed of ETFs and mutual funds, alongside model portfolio management and third-party manager monitoring.

Heather Quintero is a CFP® professional with 10 years of industry experience. She has worked at Carter Financial, LLC since 2019 and previously held roles at Wells Fargo Clearing and Wells Fargo Advisors. Carter Financial provides discretionary portfolio management and standalone financial planning to individuals, high-net-worth clients, trusts, estates, and business entities. The firm employs a multi-style asset allocation investment approach, continuously monitoring and rebalancing portfolios to meet client objectives.

Brady Bishop is a financial advisor at Waits Investments, LLC with two years of industry experience. He holds a Series 65 designation and previously worked for the San Diego Futures Foundation for 15 years. Waits Investments primarily serves individual investors, trusts, estates, and charitable organizations, offering personalized financial planning, hourly consulting, and ongoing portfolio management. The firm employs a long-term, asset-allocation focused investment approach that combines low-cost index funds and ETFs with selective active management.

Natalie Mcintosh is a CFP® with over 21 years of industry experience and has been with Mundoval Capital Management, Inc. and the affiliated Mundoval Fund since 2006. She holds a Series 66 license and works out of La Jolla, CA. In addition to her advisory role, she is an independent contractor insurance agent for Blue Shield of California. Mundoval Capital Management provides discretionary asset management services to a diverse client base including individuals, trusts, estates, charitable organizations, and pension plans. The firm emphasizes fundamental, long-term equity analysis with a global orientation and offers ERISA plan services alongside managing an affiliated, no-load mutual fund.

Joel Everett is a CFP® and ChFC® with 10 years of experience in financial advising. He has been with Financial Planning Consultants and LPL Financial since 2015. Financial Planning Consultants provides financial planning and consulting services to individuals, high-net-worth clients, pension and profit-sharing plans, and business entities. The firm offers comprehensive financial plans and life-stage planning without managing client assets, focusing on investment advice through a planning-only model with fixed or hourly fees.

Robert Robinson is a financial advisor at Cosmos Wealth, LLC with 11 years of industry experience. He holds the Series 66 designation and has previously worked at Checchi Capital Advisers, Boston Private Wealth, and Oppenheimer. Cosmos Wealth is a newly formed SEC-registered investment adviser that offers discretionary portfolio management, integrated financial planning, and project-based hourly consulting. The firm’s investment approach combines fundamental, technical, and trend-following analysis and includes tactical asset allocation, options, and alternative investments within client programs.

Matthew Miller is a financial advisor with WBB Securities, LLC, holding Series 63 and Series 65 licenses and with 31 years of industry experience. He has worked at Vanderbilt Securities, LLC and other related firms since 2020, and has been with WBB Securities, LLC since 2011. Miller also engages in occasional consulting and trade review for various firms outside of regular market hours. WBB Securities, LLC provides investment advisory and broker-dealer services through managed account programs that serve individual clients, pension plans, charitable organizations, corporations, and other advisers. The firm combines asset allocation and custom portfolio construction using fundamental, technical, and charting analysis and operates both as a registered investment adviser and a FINRA-member broker/dealer with in-house investment banking and equity research capabilities.

Roy Lopez is a financial advisor at Sage Stone Wealth Management LLC in La Jolla, CA, holding Series 65 and Series 66 licenses with 15 years of industry experience. He has been with Sage Stone Wealth Management since 2010. Sage Stone Wealth Management provides investment advisory and financial planning services to individuals, high-net-worth clients, charitable organizations, retirement plans, and businesses. The firm uses a combination of active and passive investment techniques, fundamental analysis, and offers tailored portfolios that may include ethical or faith-aligned screening, with a focus on client education and values-based investing.

Scott Kyle is a financial advisor at Coastwise Capital Group, LLC in La Jolla, CA, holding a Series 65 designation with 19 years of industry experience. He has been with Coastwise Capital Group since 2006. Coastwise Capital Group provides discretionary portfolio management, financial planning, and consulting services to individuals, corporations, trusts, estates, and charitable organizations. The firm manages approximately $184 million in assets and employs both fundamental and technical analysis across a broad range of investment instruments.

Riley Kelly is a Chartered Financial Consultant (ChFC®) with over 40 years of experience in the financial services industry. He has been with Wealth Legacy Group, Inc. since 2006 and also owns R. J. Kelly Financial & Insurance Services, where he sells life and health insurance. He is based in San Diego, California. Wealth Legacy Group, Inc. serves high-net-worth families, business owners, nonprofits, and institutional clients by providing integrated wealth planning, business succession, philanthropic planning, and insurance guidance. The firm employs a proprietary planning process and utilizes third-party managers for investment implementation, focusing on coordinated, multi-topic planning and discretionary management through institutional platforms.

David Tsow is a financial advisor at Pandora Wealth, Inc. in San Diego, CA, holding Series 63 and Series 66 licenses with 25 years of industry experience. His prior work includes ten years at Charles Schwab and five years at Spotlight Asset Group. Pandora Wealth provides discretionary portfolio management and financial planning services to individual, high-net-worth, business, and institutional clients. The firm constructs customized, diversified portfolios and employs fundamental and cyclical analysis, offering tailored strategies for special situations alongside estate-planning document services through a partnership with Helios Integrated Planning.

Michael Malvin is a financial advisor at Decision Investments, Inc. in San Diego, CA, holding Series 63, 65, and 66 licenses with 23 years of industry experience. He has been with Decision Investments since 2007. Decision Investments serves individuals—including both high-net-worth and non-HNW clients—as well as non-profit organizations and corporate plan sponsors. The firm provides discretionary portfolio management, financial planning, and retirement-plan consulting, employing an active, tactical asset-allocation approach that combines fundamental and technical analysis with regular portfolio reviews.

Jason Barney is a financial advisor at Wealth Alliance, LLC in El Cajon, CA, holding the ChFC® designation along with Series 63 and Series 65 licenses. He has 27 years of industry experience and has been with Wealth Alliance since 2011. In addition to his advisory role, he owns Wealth Alliance Tax and Financial Services LLC, which provides tax preparation, bookkeeping, and payroll processing. Wealth Alliance serves individuals, families, trusts, estates, retirement-plan participants, and small businesses, focusing on business owners, executives transitioning to retirement, and emerging-wealth professionals. The firm manages approximately $64.5 million across 266 clients using proprietary model portfolios and combines quantitative and fundamental analysis with discretionary portfolio management.

Andreas Melzer is a financial advisor with Torrey Wealth, LLC and holds a Series 66 license. He has 11 years of industry experience, including prior roles at Charles Schwab & Co., Charles Schwab Bank, TD Ameritrade Institutional, AXA Advisors, Foresters Financial, IUPS, and Morgan Stanley. Outside of his advisory work, he serves as a lacrosse referee for the San Diego County Lacrosse Officials Association. Torrey Wealth serves individuals, trusts, estates, corporations, and pension or profit-sharing plans, providing wrap asset management and standalone financial planning. The firm emphasizes diversified portfolios using low-cost equity index ETFs and fixed-income instruments, employing a mix of quantitative, fundamental, technical, sector, and cyclical analysis tailored to client preferences.

Jeffrey Platt is a CFP® and CFA® with 18 years of experience in financial advising. He has been with Platt Wealth Management since 2018 and previously worked at Wealth Quest Partners from 2015 to 2018. Platt Wealth Management provides discretionary investment management and financial planning services to individuals, including high-net-worth clients, as well as corporate and retirement plan clients. The firm employs a Modern Portfolio Theory-based approach focused on strategic asset allocation and diversified mutual fund exposure, alongside services such as retirement planning, estate analysis, and consulting on Social Security and insurance.

Gregory Syrios is a Certified Financial Planner® with over 32 years of experience in the financial services industry. He is the principal advisor at Syrios Wealth Management Group, having previously worked at Wells Fargo Advisors and Wells Fargo Clearing Services for a combined 15 years. Syrios Wealth Management Group provides wealth and investment management, financial planning, and plan-sponsor consulting to individual and institutional clients, including high-net-worth individuals, pension and profit-sharing plans, non-profits, and businesses. The firm uses a combination of active and passive investment strategies and offers both discretionary and non-discretionary portfolio management, as well as coordinating with clients’ other advisers on tax-loss harvesting and implementation.

John Hart is a financial advisor at Hayes Hart CPA's Wealth Management, Inc. in Coronado, CA, with seven years of industry experience. He holds a Series 65 designation and has served as president of the firm since 2014. Hart is also a board member and secretary of the Levine Foundation, a nonprofit organization, where he participates in annual meetings. Hayes Hart CPA's Wealth Management, Inc. serves individual and high-net-worth clients, trusts, estates, retirement plans, and business entities, managing approximately $45.7 million. The firm offers portfolio management, financial planning, and integrated tax and accounting services, emphasizing individualized, long-term asset allocation primarily through actively managed mutual funds and ETFs. Its CPA/accounting firm structure combines tax, accounting, and audit representation services with investment advice, distinguishing it from most supported advisory firms.

Kent Stone is a financial advisor with Clutinger, Williams & Verhoye Inc in San Diego, CA, holding 23 years of industry experience. He has been with the firm since 2008. Clutinger, Williams & Verhoye primarily serves individual clients, including high-net-worth households, focusing on portfolio construction and ongoing monitoring. The firm emphasizes the use of individual stocks and bonds in portfolios and provides regular reporting and occasional financial planning at no extra charge.

Arslan Bahler is a CFP® professional with eight years of industry experience, currently advising at Altura Wealth Advisors Inc. His prior work includes roles in ESG planning and qualified planning, along with a position at UCLA Extension. Altura Wealth Advisors Inc. manages approximately $250 million for individuals, high-net-worth clients, trusts, and defined-contribution plans through customized portfolio management and financial planning. The firm employs a primarily passive, long-term investment approach using ETFs and mutual funds, with discretionary account management and consideration of tax and liquidity in portfolio rebalancing.

Michael Rosendahl is a financial advisor at Torrey Pines Financial, Inc. with eight years of industry experience. He holds a Series 65 designation and has worked at Frank E. Montes Financial Services, Inc. since 2018. In addition to his advisory role, he is a licensed insurance sales representative with Sun Life Financial, where he spends approximately half of his professional time. Torrey Pines Financial provides financial planning, consulting, and portfolio management services to individuals, trusts, estates, and retirement accounts. The firm emphasizes selecting and monitoring third-party asset managers and uses fundamental analysis and Modern Portfolio Theory to develop diversified, long-term investment strategies tailored to clients’ financial and tax situations.